-
BNPl with ao.com
Hi there everyone I'm at my lowest point of life I purchased a Samsung s24 from ao.com and they sent me a wrong phone I took pictures of the iPhone 15 they sent I got it on BNPL they are insisting they sent the correct phone they won't refund the finance company newday finance company until they receive the phone back…
-
M&S loan overpayment query
Hi all, Can anyone with experience of M&S bank or industry norms explain whether the following is expected: Took out a 10k loan for a car from M&S bank at 6.2%, total circa 11,100 hit my credit score, ie all capital + interest that would be charged. I've overpaid 5,000 back from savings on mid November before the first…
-
Unable to get credit of any sort from Barclays only
Hi. Slightly odd one this and not sure if anyone can help me. My credit file is almost spotless, I have quite a lot of credit but have never missed a credit payment. I did miss a water bill 4 years ago though so have 1 missed payment there. I have no problems getting credit from anyone except Barclays. I used to be self…
-
Pension loan
Advice needed. I am public servant on a defined benefit pension. I plan to retire in 4 years time when I reach state pension age. I have paid off my mortgage. I want to borrow £72k against my pension lump sum. I intend to make monthly payments of £500, and pay off the balance when I retire. Is there such a product on the…
-
I need help to borrow £15000 with no monthly payments. Pay back when house is sold
Is it possible to borrow £15000 for approximately 6 months until house is sold, with no monthly payments. I spent 2.5 hours on Halifax chat and finally got offered a minimum of £25000 mortgage. The words 'sledgehammer to crack a nut' spring to mind. Can anyone give me some advice please?
-
Letter demanding money from OPOS(Capquest)
I have received a letter from OPOS about a credit card which I never had. They have bought the debt from the creditor. Can somebody provide a link to a Provit letter?
-
How to avoid the 58 days interest being added to the early settlement of a loan???
So in May of this year I took a loan from Admiral for £8000 over 4 years 16.3APR £223 per month payments. Since then my credit file has improved and I can get loan at much more reasonable rate. I would like to pay off the remaining Admiral loan by using a lower interest loan of £7500. I could reduce my interest payments by…
-
debt collection letters
Hi I have just received 3 letters from a debt collector called verifi in regards to a loan I had over 23/25 years ago.l, Iv not spoken or received any letters from them in over 20 years. This gets a little confusing so bear with me, the letters are coming through in a surname i used 20 years ago. Now I did use this name as…
-
Skye Loans
I am looking for contact details of the company Skye loans which took over loans from Blackhorse in 2015. I am currently trying to sell my house. My solicitor contacted me because when she checked the Land Registry, Skye loans was still secured to my house. We had taken a loan from Blackhorse which was taken over by Skye…
-
Best Friend Loan for Mortgage
I have recently been paid a significant life changing amount of money and now planning how to invest for the future. In doing this I feel like I would like those around me to benefit and one idea is to help a friend reduce his monthly mortgage payments by gifting him the remaining amount on his mortgage circa £150k and him…
-
Interest On Death
A friend has been recently widowed at a young age and is trying to deal with an outstanding motor finance agreement for her deceased husband. The settlement figure has recently increased by £1000 - approximately £400 for missed instalments plus a penalty! I was under the impression that interest automatically froze at the…
-
Business Funding
Applying for a business loan as a small film production company to cover production costs , I opened a business account with my bank and now everything is in limbo as the funds are bouncing around to do with fraud laws and credit rating so feeling confused
-
Pay off PCP with loan
Good afternoon. I hoping for some guidance. I have a car on PCP (69 plate car) until November 2025. I currently pay £114 a month and the final payment will be £10,322 whether that is I give the car back, trade it in or buy it. I think the APR is 11 or 12% From now until then I will pay £1,254 in monthly payments i can…
-
Right To Withdraw
Hi guys anyone have any idea how this would work on a "loan top up"? For example if you had a £600 left to pay and they offered you an additional £500, this would settle existing loan and you would receive £500 and new balance would be £1100 etc. You have 14 days to withdraw from agreement and must then pay any funds back…
-
Is this a scam?
Hello. I’m a newb just looking into the forum after hearing/reading lots of positive feedback and needing some guidance on behalf my geriatric parents. Who many years ago did an equity release. All good and done and dusted with the loan paid back after a downsize (again years ago). Fast forward to yesterday when my poor…
-
Cancelled credit agreement for warranty
Hi, I recently cancelled a credit agreement for a car warranty I had. I was making the payments via a 3rd party agency (let’s name them Peter) to an extended warranty company (let’s name them Toby) I (partially unintentionally) cancelled my credit agreement with Peter after making 10/12 payments. They then said I no longer…
-
Audi Q4 eTron Sensor Issue - Who is at fault?
I bought a Q4 ETron from Audi Brighton on PCP and car did not have front sensor. Dealership retrofitted it for me before purchase. All was well for 1.5 yr till a software error came in car and I had to take it to my nearest dealership (Reading Audi). Car is still in warranty so Reading Audi started a series of software…
-
Mortgage applications
Hi there going through mortgage application all going well have been asked to clear some small outstanding debts and 1 M&S loan of £9,900. the others are fine all cleared and sorted. can anybody help me please if I am going through a morgage application I have deposit £14,000 fine but need to pay the £9,900 off. can my…
-
Fixed interest
I posted a reply to a thread on this section and a reply to my reply suggested I am misunderstood when it comes to fixed interest. I've attached a screenshot of my account. You can see in the transaction history that "Fixed Interest" was added when the loan was taken out. Please could you guys help me understand what to…
-
Barclays Partner Finance iPhone hassle
I have recently had a very unsatisfactory experience while
attempting to buy a new iPhone in store from Apple using Barclays Partner
Finance. My situation led to me making two applications for finance,
the first being accepted, and the second declined. Having dropped and smashed my iPhone, rather than pursue a
lengthy…
